A securities account with its own settlement cash
Sections ↑DADAT is the online-banking brand of Schelhammer Capital Bank AG, not a separately licensed bank. The distinction matters when identifying the contractual counterparty and combining balances held under different brands. This profile covers its Austrian securities-depot service; ordinary banking and any separately contracted crypto service are not the same account.[1]
Account architecture
| Component | Published arrangement |
|---|---|
| Securities depot | Records the investments; an associated euro settlement account is required.Source 7 |
| Settlement cash | A normal current account cannot replace the required securities settlement account.Source 7 |
| Foreign-currency cash | Optional USD, CHF and GBP accounts are described in the FAQ.Source 7 |
| Reference bank account | Outgoing payments go to the nominated reference account; changing it requires a written instruction.Source 7 |
Adding a joint holder requires a new joint depot and asset transfer, not simply another login. Ownership and tax consequences remain separate.[7]
Exchange securities, funds and securitised derivatives
Sections ↑The depot proposition covers shares, exchange-traded funds, investment funds, bonds, certificates and warrants. These are not all interchangeable exposures: an ETF holding, an individual bond and an issuer-created leveraged certificate can have different liquidity, issuer and payoff risks. The advertised menu should therefore be read alongside the selected instrument’s own documentation.[12]
Product and access distinctions
| Route | Operational distinction |
|---|---|
| Exchange dealing | Broker commission and venue charges can both apply.Source 2 |
| Over-the-counter securities | Pricing depends on counterparty and instrument.Source 2 |
| Funds and savings arrangements | Fund terms and purchase arrangements are separate from a one-off exchange share order.Source 12 |
Separate broker commission from market charges
Sections ↑Regular published dealing examples
| Route | Broker charge | Additional published component |
|---|---|---|
| Vienna | EUR 3.90 plus 0.10% commission, capped at EUR 49.95 for the percentage component. | Exchange: 0.03%, minimum EUR 1.80, maximum EUR 70.Source 2 |
| Foreign stock exchanges | EUR 4.95 plus 0.15% commission; 0.125% from EUR 25,000; percentage-component cap EUR 49.95. | Clearing and venue charges remain additional.Source 2 |
| Gettex: up to EUR 2,500 / 5,000 / 7,500 / above | EUR 3.50 / 5.50 / 8 / 10.50 | EUR 1.10 clearing. Main tariff lists Gettex external fee zero; a dedicated fee page still shows EUR 1.50. Resolve the discrepancy in the order quote.Source 2Source 13 |
| Telephone or fax instruction | EUR 5 supplement | Added to the relevant dealing tariff.Source 2 |
A EUR 2,000 Vienna purchase gives EUR 5.90 brokerage and EUR 1.80 exchange charges: EUR 7.70 before spread, taxes and extras. Selling costs extra.[2]
The custody-fee change has two dates
| Customer group | Announced treatment |
|---|---|
| New private depots | No custody fee under the published offer.Source 3 |
| Existing private depots | The same change is announced for January 2027; it has not yet started on this profile’s October 2026 check date.Source 3 |
| Gold savings plan | Excluded from this custody-fee abolition.Source 3 |
The custody announcement does not abolish every cost associated with trading or the linked cash account. It is also not a promise that future tariffs can never change. Existing customers should not substitute the new-account custody headline for the charges currently applying to their own depot.[3]
Venue-specific orders and contingent instructions
Sections ↑Controls described in the order guide
| Control | What changes |
|---|---|
| Market / limit | A limit constrains price; a market instruction does not set that limit.Source 4 |
| Stop-market / stop-limit | The trigger activates a market or limit order respectively; triggering is not a guaranteed fill.Source 4 |
| Trailing stop | Percentage or euro distance, with specified venue and selling restrictions rather than universal availability.Source 4 |
| Fill-or-kill / immediate-or-cancel | The guide limits these instructions to Vienna.Source 4 |
| Good-till-date | A maximum validity of 120 days is published.Source 4 |
Follow-on orders deserve separate attention. The feature describes a 90-day follow-on validity and relative price inputs; when the initiating order fills in parts, each partial execution creates its own follow-on instruction. The practical result can be several child orders rather than a single aggregate exit. This is contingent order automation, not discretionary portfolio management.[5]
The trading app advertises portfolio profit/loss, order handling, watchlists, news, charts and alerts on iOS and Android, with biometric access. These are published capabilities, not results of a logged-in test. A displayed position value and a triggered alert do not themselves establish execution or availability of cash.[6]
Transfers in, transfers out and the tax record
Sections ↑Moving an existing portfolio
| Stage | Published handling |
|---|---|
| Request | The transfer paperwork requires the relevant signatures; original documents may be needed.Source 8 |
| Expected incoming duration | The FAQ gives approximately one to four weeks, not a guaranteed completion date.Source 8 |
| During transfer | Securities can be blocked for trading while the transfer is processed.Source 8 |
| Tax acquisition data | Purchase-cost and tax data require attention independently of the arrival of the securities.Source 8 |
Reconcile quantities and acquisition data before treating a transfer as complete. Cash withdrawals follow the reference-account rule; no universal post-sale payout deadline was established.[8][7]
Bank identity and the two protection questions
Sections ↑Einlagensicherung Austria’s member list includes Schelhammer Capital Bank with the DADAT brand. Scheme membership attaches to the institution, rather than creating an independent limit for each trading name. DADAT’s disclosure treats deposit protection and investor compensation as distinct subjects. A securities portfolio must not be described as an insured bank deposit simply because the same institution holds its settlement cash.[10][11]
For a transfer or failure claim, the important evidence is the legal account holder, the contracting bank, the cash balance and the securities records. Protection against an institution’s inability to return eligible property is a different question from a fall in an investment’s market value; this profile does not describe either compensation scheme as a trading-loss guarantee.[11]
Access problems, instructions and complaints
Sections ↑Customer service handles blocked access and forgotten credentials, with a signed request where required. Recovery is not an outage-execution guarantee. Telephone dealing remains subject to acceptance and its surcharge.[7][2]
Complaint pathway
| Step | Published timing or route |
|---|---|
| Submit to DADAT | Use the complaint-management route, including [email protected], with the account and disputed facts.Source 9 |
| Acknowledgement | Within three business days, with information about the expected handling.Source 9 |
| Investigation | The stated aim is a response within 14 days after all relevant facts are available.Source 9 |
| Unresolved dispute | The procedure identifies external banking conciliation; a complaint is separate from a trade instruction.Source 9 |
Payment-services complaint deadlines are not automatically the deadline for a securities dispute. Keep contract notes, the order instruction, timestamps and the broker’s reply together so that the disputed event can be reconstructed.[9]
Schelhammer Capital Bank and the DADAT contact route
Sections ↑The legal imprint identifies Schelhammer Capital Bank AG as the operator. DADAT’s customer contact is in Salzburg, while the bank’s legal seat is Vienna. This is an Austrian online securities service within a bank, rather than an international FX/CFD account offered under a country-neutral brand. Company identity, service terms and the instrument contract each do a different job in the account relationship.[1]
- Headquarters
- Vienna, Austria
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Schelhammer Capital Bank AG
AustriaSource 1
No separate licence entry is recorded in this panel.
Sources & further reading
- DADAT imprint and contracting bank DADAT / Schelhammer Capital Bank · Accessed 20 Oct 2026
- Published securities trading conditions DADAT · Accessed 20 Oct 2026
- Custody-charge change: new accounts and January 2027 DADAT · Accessed 20 Oct 2026
- Order types, validity and venue restrictions DADAT · Accessed 20 Oct 2026
- Follow-on orders and partial executions DADAT · Accessed 20 Oct 2026
- DADAT trading application DADAT · Accessed 20 Oct 2026
- Securities-account FAQ: cash accounts and access DADAT · Accessed 20 Oct 2026
- Securities-transfer FAQ DADAT · Accessed 20 Oct 2026
- Complaint-management procedure DADAT · Accessed 20 Oct 2026
- Member institutions of the Austrian deposit-protection scheme Einlagensicherung Austria · Accessed 20 Oct 2026
- Deposit and investor protection disclosures DADAT · Accessed 20 Oct 2026
- Securities, depot and trading services DADAT · Accessed 20 Oct 2026
- Dedicated venue-fee page: Gettex conflicts with main tariff DADAT · Accessed 20 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.